What are the insurance responsibilities of overseas travel insurance (Japan-South Korea tour) of Pacific Leyou Life Insurance?

Pacific "Leyou Life" overseas travel insurance (Japan-South Korea tour) cruise insurance liability: accidental death and disability-300,000 yuan, lost luggage-2,000 yuan, travel document replacement insurance-2,000 yuan, overseas personal travel legal liability insurance-100,000 yuan, accidental medical and acute medical expenses-150,000 yuan. Insurance liability for overseas accidental injury and acute hospitalization allowance -200 yuan/day, suspension guarantee-1000 yuan, travel route change guarantee -300 yuan, port stop time guarantee (more than 4 hours) -300 yuan, delay guarantee for returning to Hong Kong (more than 6 hours) -300 yuan, seizure, hijacking and terrorist attack-50,000 yuan, and emergency medical transfer fee-20,000 yuan.